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Vodafone Insurance vs BiMPY Insurance
Vodafone lets you add phone insurance straight onto your monthly bill which feels convenient at checkout, but the basic cover does not include theft or loss and starts at £10 per month for the iPhone 17. Excess fees are higher too, reaching £100 or £125 depending on the claim. When you compare Vodafone insurance with BiMPY, the differences start to stand out.
BiMPY® takes a simpler approach. Our cover runs on a true 30 day rolling basis with theft included as standard from £6 per month for the iPhone 17 insurance. Full Cover adds loss protection for just £1 more and you are free to cancel or adjust your policy whenever you choose. The excess stays at a clear £50 for damage and theft, or £75 for loss.
For anyone comparing protection based on what actually matters rather than what is bundled into a phone contract, this is important. Vodafone Basic Cover does not protect you if your phone is stolen or lost which are two of the most common claim types in the UK. BiMPY covers theft from day one and gives you unlimited accidental damage claims with lower fees every time you claim.
Here is a clear side by side comparison to help you understand exactly what each provider offers and which one gives you better value for your iPhone 17.
Compare side-by-side
Prices shown here are based on iPhone 17 models as of 2025.
| BiMPY Essential plan | BiMPY Full plan | Vodafone Basic Cover | Vodafone Full Cover | |
|---|---|---|---|---|
| Monthly cost | £6 | £7 | £10 | £15 |
| Policy type | 30-day rolling | 30-day rolling | Tied to contract | Tied to contract |
| Accidental damage | ✓ £50 excess, unlimited | ✓ £50 excess, unlimited | ✓ £100 excess | ✓ £100 excess |
| Theft cover | ✓ £50 excess, up to 2 per year | ✓ £50 excess, up to 2 per year | ✗ Not included | ✓ £125 excess |
| Loss cover | ✗ Not included | ✓ £75 excess, up to 2 per year | ✗ Not included | ✓ £125 excess |
| Liquid damage | ✓ Included | ✓ Included | ✗ Not included | ✗ Not included |
| Worldwide cover | ✓ Included – 90 days per annum | ✓ Included – 90 days per annum | ✗ Limited | ✗ Limited |
| Multi-phone discount | ✓ 3for2 deal | ✓ 3for2 deal | ✗ Not available | ✗ Not available |
Where they differ
Price and what is included
BiMPY® Essential starts at £6 per month for the iPhone 17 and includes theft as standard. Full Cover is £7 per month and adds loss protection.
Vodafone Basic Cover starts at £10 per month and only covers accidental damage. Vodafone Full Cover rises to £15 per month to include theft and loss.
Flexibility
BiMPY runs on a simple 30 day rolling basis. You can start, stop or adjust your cover whenever you choose.
Vodafone insurance is tied to your airtime contract which means your cover ends if you leave Vodafone and cannot be managed separately.
Theft and loss
BiMPY® includes theft on both plans so you are protected from day one. Full Cover adds loss protection for only £1 more.
Vodafone Basic does not protect you if your phone is stolen or lost. You must upgrade to Vodafone Full Cover to get these features which increases the price and excess fees.
Excess fees
BiMPY uses a clear and consistent structure. £50 for accidental damage or theft. £75 for loss on Full Cover.
Vodafone charges higher fees. Damage claims cost £100 and theft or loss claims cost £125 which makes each incident more expensive.
Protection features
BiMPY offers unlimited accidental damage claims, liquid damage cover, worldwide cover and a 3 for 2 multi phone insurance deal suitable for households and businesses.
Vodafone limits you to three claims per year and does not offer multi phone savings. Liquid damage is not included on the Basic plan.
Real world value
BiMPY gives you lower monthly costs, lower excess fees and the freedom of a rolling policy that puts you in control.
Vodafone offers the convenience of network billing but at a higher overall cost with fewer features on the entry level plan.
Which one makes sense for you?
Choose Vodafone Insurance if you prefer everything managed through your mobile bill, don’t mind the higher cost or claim limits, and you’re okay with no theft cover on Basic Cover.
Choose BiMPY if you want cheaper monthly cover, theft included as standard, and the freedom to cancel anytime.
Get started
BiMPY cover starts from £6 a month (iPhone 17 shown here at £6 Essential / £7 Full).
Get a quote
Note: Information and pricing correct October 2025. All brand names, products and services are trademarks of their respective owners. BiMPY is an independent provider and is not affiliated with or endorsed by any manufacturer or network mentioned. Figures shown for comparison purposes only.